following up with the down payment talk. my wife and I are moving to a new town in the metro area we live in because the cost of living is lower. we plan on renting a year to make sure we like the town and to focus what area of the town we want to live.

I just wanted to let you know about the good news: My wife and I bought a house in TN. We still don’t have a credit score and looking forward to keep it that way. Thank you for all your good advice!
Looking forward to keep in touch.